Ladies and Gentlemen of the class of 2013 ... Join a Corporation. If I could offer you only one tip for the future, joining a corporation would be it. The long term fun to be had by joining a corporation has been proved by scientists, Whereas the rest of my advice has no basis more reliable than my own meandering experience.
I will dispense this advice, now.
Enjoy the power and beauty of your frigate. Nevermind, you will not understand the power and beauty of a well-fit frigate until you're well into a terribly-fit battleship. But trust me, in 2 million skillpoints you'll look back at your Rifter and recall in a way you can't grasp now how much possibility really lay before you And how fabulous it would have been to have strong fitting and T2 skills.
You are not as skilled as you imagine.

Don't worry about losing ships, or worry but know that worrying is as effective as trying to outmine a 10-Hulk mining bot operation in an Osprey.